Recurring BLIK payments are a solution that allows for automatic payment of services, subscriptions, and memberships using the BLIK system. The service is available in three models, which differ in how transactions are initiated and authorized. From the text below, you’ll learn how each mechanism works and in which situations it is best suited.
In 2025, BLIK celebrated its 10th anniversary. Over the decade, it has become a universal payment method, enabling not only fast online payments but also BLIK phone transfers, in-store payments, cash deposits and withdrawals from ATMs, deferred payments (BLIK Pay Later), and digital check options. The list of services also includes recurring BLIK payments.
Key points at a glance:
- recurring BLIK payments allow for automatic payment of services, subscriptions, and memberships;
- three models are available: A, M, and O — they differ in how transactions are initiated and authorized;
- selected models allow for changes in amounts and frequency of subsequent transactions;
- recurring BLIK payments can be managed via the banking app.
What are recurring BLIK payments and how to activate them?
Recurring BLIK payments are a product aimed at people who regularly pay for subscription-based and membership services or other recurring obligations such as utility bills or telecom services. The transaction amount doesn’t have to be the same every month. Moreover, the frequency of payments can also vary, tailored to individual agreements between the customer and service provider.
The specific rules of how recurring BLIK payments work depend on the chosen payment model, of which there are three: A, M, and O1. What they all have in common is the requirement for the customer to give a one-time consent to future debits from their account. This requires enabling recurring BLIK payments in the banking app.
Recurring BLIK payments — Model A
In this model, the customer initiates the recurring payment on the merchant's website by selecting the “BLIK recurring payment” method and entering the BLIK code. After creating the recurring payment order, transactions initiated by the merchant are automatically authorized by the bank. This means that in Model A:
- the payment amount and frequency are fixed (available time units include day, week, month, quarter, year),
- there is no need for the customer to approve each payment (except for the first BLIK code payment that initiates the recurring BLIK payment),
- payments will only be made up to a specific end date — extending payments requires the customer to initiate a new transaction.
In Model A, any deviation from the established payment terms — such as changing the amount or frequency — will result in the bank not authorizing the transaction automatically. It will then require action from the customer (e.g., manual authorization in the banking app).
Model A is suitable for subscription services with fixed amounts like multimedia platforms (VOD, music streaming, gaming, digital newspapers, etc.), sports clubs and other membership-based services, or e-learning platforms.
Recurring BLIK payments — Model M
In Model M, after setting up the recurring payment, all BLIK recurring transactions initiated by the merchant will require confirmation from the customer each time. Otherwise, they will not be processed. In short, Model M is characterized by:
- the need for the customer to approve each recurring transaction via the banking app;
- the possibility to change the amount or frequency during the ongoing recurring payment order,
- payments being processed up to a set expiration date or indefinitely (until canceled).
Model M, allowing for payments of varying dates and amounts, is a good choice for businesses offering equipment rental, product delivery services (where customers can modify orders), or service companies performing work in stages.
Recurring BLIK payments — Model O
Model O can be considered a hybrid of the two previous variants:
- it allows recurring payments with variable frequency and amount,
- without the need to authorize each payment in the banking app,
- payments are processed up to a specified expiration date or indefinitely.
The process is fully automated, making it especially useful for companies with dynamic offerings. It also works well for businesses adapting quickly to changing conditions, such as utility providers or SaaS platforms where charges may vary based on actual usage, or for transport services like car-sharing companies.
For Model O, there are two important conditions:
- the maximum amount for a single recurring transaction is PLN 2,000,
- responsibility for potential fraud is shifted from the bank to the merchant.
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FAQ — Frequently Asked Questions about recurring BLIK payments
Which banks support recurring BLIK payments?
Clients of the following banks can use recurring BLIK payments: PKO Bank Polski, Millennium Bank, Santander Bank Polska, SGB Cooperative Banks, ING Bank Śląski, Nest Bank, and Alior Bank.
Are recurring BLIK payments secure?
The BLIK payment system complies with all security standards. Using recurring payments does not require the customer to provide card details or other sensitive information for each transaction, as payments are authorized once with a BLIK code during service activation.
How can a customer manage their recurring BLIK payments?
The customer can monitor and cancel recurring BLIK payments directly in their banking app. All created payment orders are visible in a dedicated section of the app where users can track transaction history, change settings, and deactivate or delete selected payments.
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Sources:
- Online source: https://www.blik.com/lp/reccuring-payments/Introduction.141951041.html, access date: October 9, 2025
- Model O, How it works, online source: https://www.blik.com/lp/reccuring-payments/Model-O.141951072.html, access date: October 9, 2025
- Status as of October 9, 2025. Online source: https://www.blik.com/platnosci-powtarzalne, access date: October 9, 2025
